I did a lot of research on DIS before I bought... I drove myself crazy with spreadsheets - points/costs.
Then Disney went and changed the points charts the following year so all my planning when out the window.
Like Teresa, we have two small contracts... 50 points BWV and 50 points OKW. I bought both through resale channels. Just so you know, some members aren't too concerned about the upcoming changes (the ones that only use their points for DVC properties), but you might be (I am!). If you buy resale before the March 21st deadline, you can use the points at more places, including the Disneyland Hotel / Paradise Pier. Those that purchase resale after won't be able to use them there. You'll still be able to use them at Grand Californian... if you can get it. It is super hard (I was lucky when I reserved it for you).
In addition to DIS, I also recommend DVCNews.com and ResalesDVC.com